An Ohio applicant applies for one Medicare supplement policy, but the issuer ultimately issues a different policy that differs from the one applied for. Under OAC 3901-8-08(T)(12), the issuer must:

Why D is correct

OAC 3901-8-08(T)(12) anticipates substitutions: when the Medicare supplement policy issued differs from the policy the applicant applied for, the issuer must provide a substitute outline of coverage that accompanies the policy. This preserves the applicant's right to an accurate, current description of the actual benefits at the moment of delivery, maintaining the informed-consent purpose of the outline requirement.

Why the other options are wrong

• A) Substitution does not void the sale; the rule's remedy is the substitute outline accompanying the policy.
• B) The substitute outline is mandatory without any request from the applicant.
• C) Superintendent approval of the substitution is not the mechanism — the outline delivery duty is.

Memory hook

Policy changed? Outline must follow — substitute outline travels with the policy.

Why A is correct

OAC 3901-8-08(T)(12) provides that if the Medicare supplement policy issued differs from the policy applied for, a substitute outline of coverage must accompany the policy. This ensures the policyholder receives disclosure matching the coverage actually issued rather than the coverage originally requested, keeping the sales disclosure accurate.

Why the other options are wrong

• B) Nothing in the rule requires a new application; the required companion document is the substitute outline of coverage.
• C) The Medicare supplement free look is 30 days, not 10 days, and the required accompaniment is the substitute outline.
• D) A letter from a previous insurer relates to replacement situations, not to a mismatch between the applied-for and issued policy.

Memory hook

Issued something different? Ship a substitute outline with it.